business owner insurance with the Woj Broker

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A Business Owners Policy (BOP) is a comprehensive insurance package designed specifically for small to medium-sized businesses. It combines essential coverages into a single, cost-effective policy, streamlining the insurance process and providing tailored protection against various risks.

• Property Insurance
• General Liability Insurance
• Business Interruption Insurance

• Covers physical assets such as buildings, equipment, and inventory against risks like fire, theft, and vandalism.
• Can include business personal property and additional coverages for valuable documents or data.

• Protects against third-party claims for bodily injury, property damage, and personal injury.
• Essential for covering legal fees and settlements arising from lawsuits.

Provides financial support if your business operations are disrupted due to a covered event, helping to cover lost income and ongoing expenses.

Depending on your business needs, additional coverages may include:

• Professional liability
• Cyber liability
• Equipment breakdown
• Employment practices liability

Bundling coverages into a BOP often results in lower premiums compared to purchasing individual policies.

One policy means easier management and fewer renewal dates to remember.

BOPs can be customized to fit the specific needs of your business, ensuring you have the right coverage for your unique risks.